Auto insurance rates in California are among the most expensive in the nation, with annual premiums of $1,665 per year on average. Additionally, auto coverage rates in the state have increased 13% from 2017 to 2019 across the 10 largest insurers. While some price hikes are unavoidable, the best way to get low rates is to shop around and compare quotes.


Gabi is an insurance services company and licensed insurance agency that claims to save customers up to hundreds on their insurance premiums by comparing insurance quotes against your current policy. Users can link their current insurance to their Gabi.com account or send Gabi a PDF of their current insurance policy; through its technology and real-life advisors, Gabi says it can find you the “right policy” and allow you to compare up to 20 quotes.

Car insurance helps provide financial protection for you, and possibly others, if you are involved in an accident. Auto insurance for your vehicle is usually required by all states. Review our state car insurance guides to see the different laws and auto insurance minimum required coverages. You can customize your auto policy to fit your needs. There are different coverages and limits you can choose to create your auto insurance policy. Check out our car insurance coverage page to learn more about each type of coverage.

[1] Availability varies. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.


But according to the National Center for Biotechnology Information, newly licensed drivers are about eight times more likely to be involved in fatal crashes in their first six months than more experienced drivers. The takeaway? Experience counts. The Center for Disease Control suggests that increased education programs and parental involvement in instruction are associated with reductions of as many as 40% of fatal and injury crashes among 16-year-olds.

You’ll notice that none of that liability coverage pays for your car or injuries, nor for any injuries your passengers sustain if you cause a wreck. This is why many people — particularly those whose car isn’t yet paid off — want “full coverage” car insurance. This isn’t actually a type of coverage, but instead typically refers to policies that include liability coverage, plus comprehensive and collision coverages.
Progressive offers a unique discount through a program called Snapshot, a usage-based insurance plan that transmits real driving data to the company. Using a telematic device installed in your vehicle, Snapshot monitors your driving behaviors — such as how rapidly you accelerate or how often you stop abruptly — as well as the miles and times you drive, which can increase your risk of an accident.
Nationwide pulls lower customer ratings than our top picks. The company scored an 88 from Consumer Reports (putting it in 22nd place out of 27 companies), and an “average” rating from J.D. Power. In other words, Nationwide doesn’t knock it out of the park for either customer service or claims process — which are both crucial for a great insurer. It also missed our financial stability benchmark by a hair, with S&P Global and Moody’s ratings just below the “very strong” or “excellent” benchmarks that we look for.
Using complaint and exposure data from the California Department of Insurance, we calculated the justified complaint ratio for auto insurance companies in California. We've listed them from the best (lowest complaint index) to the worst (highest complaint index). If a company has an index of 1.05, then that means it has a 5% higher share of complaints compared to its share of underwriting exposure.
As you get your instant quote, Nationwide will help identify discounts on car insurance that might apply to your policy to save you money. Depending on where you live, you may qualify for lower rates when you have multiple Nationwide insurance policies or have an accident-free record. If your vehicle is equipped with an anti-theft device or passenger restraint system, you may save even more. You may also earn a discount through the SmartRide program, which is a usage-based program that gives members feedback to help encourage safe driving. Get more ideas on how to lower the price of your auto policy.
Geico is the second-largest auto insurance provider in the United States. While they’re considered second-tier by Consumer Reports (listed under parent company Berkshire Hathaway Insurance Group), their customers rate them high in the categories of ease of reaching an agent, promptness of response, agent courtesy, and timely payment. Not bad in terms of customer service.
If you have an anti-theft device, Progressive offers a discount for that too. The company also offers pet injury coverage — which is included with collision and comes standard in most states. However, Progressive’s scores across the board were only average, and we couldn’t justify recommending it over our top picks. Also, its mobile app ratings average out to just under 3 out of 5 stars.
So how much liability coverage should you get? We recommend purchasing as much protection as you can afford and reasonably covers your exposure if you're at-fault in a collision. For reference, the average auto bodily injury liability claim is over $15,000, and the average auto property damage liability claim is over $3,000. But the severity, or size, of a claim will vary significantly. If the driver or passenger in another vehicle was killed, for instance, the costs could easily exceed $100,000, as fatal claims are some of the most expensive. Or if the other vehicle was very expensive, such as a Mercedes, you will face much higher property damage costs as opposed to an accident with a cheaper vehicle.
We researched 36 of the best auto insurance providers based on their ability to serve customers and actually pay out claims; not just on premium cost. Of course, premiums matter, but since rates depend on many different factors — like your age, driving history, and even your ZIP code — the best way to find the most affordable price on the policy you want is to compare quotes. Use our quote tool above to get started.

Progressive Home Advantage® policies are placed through Progressive Advantage Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PAA commission for policies sold. Prices, coverages, privacy policies, and PAA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PAA's commission. Discounts not available in all states and situations.
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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
Farmers Insurance fell just shy of the benchmark we set for financial stability. It took earned an “A” from A.M. Best (passing), and an “A” from S&P Global (two steps below the required “AA-”). These scores mean that Farmers has strong financials, and offers solid backing for your policy — it’s just a little less likely to weather a major financial crisis than other companies. This is why, like Liberty Mutual, we don’t rank it among the best of the best.

Nationwide’s coverage selection is more or less on par with companies like Progressive, Allstate, and GEICO. It includes all the core coverage options — from liability to uninsured motorist — as well as some add-ons that may be hard to find elsewhere, like GAP insurance, rideshare coverage, and accident forgiveness. Like other top companies, Nationwide also offers plenty of discounts. Customers can save by bundling home and auto insurance, installing safety devices on their car, taking a defensive driving course, staying accident free, and more.


Insurers raise rates for a variety of reasons, many of which are beyond the control of consumers. Companies will often hike insurance rates to account for increased losses, which is the amount of money that these companies pay out for claims. If losses go up—because of an increase in claims frequency or costlier auto repairs for example—your insurer may raise your car insurance premiums.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
Customers aren’t very impressed by Liberty Mutual’s claims process or payouts. It’s ranked among “the rest” in J.D. Power’s survey, which falls at the bottom of the scale. It also earned a relatively low Consumer Reports score of 88 (or 23rd place out of 27 companies scored). Finally, Liberty Mutual didn’t quite meet the bar we set for financial stability. Its “A” from S&P Global and “A2” from Moody’s come up a little short of our requirements. These scores are still respectable — indicating an ability to pay out on claims — but mean that Liberty Mutual has a slightly poorer credit outlook in the event of a financial downturn.
I LOVE USAA! I am surprised it’s not higher on that list. I had Allstate and they never fought for me or my family even though we were paying more than we are paying now. Over where we are at, the speed limit for the highway is 70. There was hardly anyone on the road so my husband drive on the far left since there is a lot of exits in the far right lane. This woman pulled out in the far left lane doing 20. My husband didn’t have time to break because she pulled out right in from God us with no turn signal. But Always was already assuming it was his fault even though they can review the car to see how fast he was going and who was in the wrong. I am glad we dropped them and moved to USAA. They are the best!
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